Betty and Bob are interested in investing equal amounts of money in stocks A and B. The prices of A and B are given as per:

Years	Price of A	RA	Probability	Price of B	RB	Probability
0	100			100
1	75		.25	150		.25
2	100		.25	75		.25
3	60		.25	125		.25
4	100		.25	100		.25

Where R_A is the per annum effective rate of return for A and R_B is the per annum

effective rate of return for B. (Do not use the continuous rate please.)

Find the Expected Value of the portfolio rate of return. ________